TNVISARuPay
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Tata Neu Infinity HDFC BankHDFC Bank
Fees & charges
| Joining fee | ₹1,499 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹1,499 + applicable taxes |
| Renewal-fee waiver | ₹3 lakh/year |
| Network | VISARuPay Visa or RuPay (both variants offered) |
Rewards & benefits
| Reward rate | 5% back as NeuCoins on Tata Neu & partner brands; 1.5% on other spends; RuPay variant adds 0.50% on UPI spends + 1% on UPI via Tata Neu UPI ID |
|---|---|
| Welcome benefit | 1,499 NeuCoins (reversal of 1st-year membership fee), credited on 1st transaction within 30 days of card issuance |
| Lounge access | Domestic: milestone-based — 2 complimentary lounge vouchers per calendar quarter on ₹50,000 spend that quarter (up to 8/year). International: 4 complimentary accesses per year (1/quarter) on the RuPay variant |
| Key benefits | 5% NeuCoins on Tata Neu/partner brands + 1.5% everywhere, milestone-based domestic + RuPay international lounge access, and full first-year-fee reversal via welcome NeuCoins |
Eligibility & status
| Eligibility / income | Salaried: min ₹1 lakh/month; Self-employed: min ₹12 lakh/year; age 21+ (max 60 salaried / 65 self-employed), Indian resident |
|---|---|
| Status note | active |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 1,499MITC v4.3, fee table L187-197 | Joining/Renewal Membership Fee – ₹1,499/- + Applicable Taxes | ✓ |
| Fee waiver (min spend) | ₹3 Lakh / AnnumMITC v4.3, fee table L187-197 | Spend ₹3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off. | ✓ |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹500 per statement cycleMITC v4.3, fee table L187-197 | 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹500 per statement cycle) | ✓ |
| Forex markup | Not clearly printed in the fee table (merged/blank cell)MITC v4.3, fee table L187-197 | NOT STATED | |
| Reward rate | Not in MITC (product term) | 5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands. 1.5% back as NeuCoins on eligible Non-Tata Brand Spends and any Merchant EMI Spends. Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website. Earn up to 1.5% back as NeuCoins on eligible UPI spends | • |
| Welcome benefit | Not in MITC | Get 1,499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction. | • |
| Lounge access | Not in MITC | Domestic Lounge Access: 2 Complimentary Domestic Lounge Voucher per calendar quarter (up to 8 per calendar year) can be availed on spends of Rs 50,000 or more in a calendar quarter. International Lounge Access: 4 Complimentary Lounge Access per calendar year (1 per Quarter), outside India. | • |
| Eligibility | Not in MITC | Salaried – Nationality: Indian; Age: 21 – 60 years; Income (Monthly) - ₹1,00,000. Self-Employed – Nationality: Indian; Age: 21 – 65 years; Annual ITR > ₹12,00,000 | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Microsite values are captured VERBATIM from each card's live HDFC page (fetched 2026-07-04). Quality of capture: rich 55, partial 15, thin 4. Open the linked page to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Joining/Renewal Membership Fee – ₹1,499/- + Applicable Taxes
- Spend ₹3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
- Get 1,499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.
- 1% fuel surcharge waiver at all fuel stations across India
- 2 Complimentary Domestic Lounge Voucher per calendar quarter (up to 8 per calendar year) can be availed on spends of Rs 50,000 or more in a calendar quarter.
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